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Cover type:

Cover type

Accident and Sickness cover - provides a monthly cash benefit if you cannot work due to a sickness or accident only.

Accident, Sickness & Unemployment cover- provides a monthly cash benefit if you cannot work due to a sickness or accident or should you become involuntarily unemployed.

Annual income before tax (e.g. 16,000):

£

Please enter a valid income.

Average monthly income before tax:

Income

Your monthly income before tax is the average monthly gross taxable earnings for the 12 months preceding the start date, the date of any amendment to your monthly benefit or the start date of a claim. Or if you are self-employed the monthly average of the annual income that you declared to HM Revenue and Customs.

Monthly cash benefit:

Monthly benefit

The monthly benefit is the cash benefit that you would receive on a monthly basis in the event of a claim. You choose the amount you would receive, up to a maximum of £1,500 a month or up to 50% of your monthly income (before tax), whichever is lower.

If you were off work how much would you need on a monthly basis? (Choose up to 50% of your monthly income before tax)

This slider shows the maximum level of cover you can have based on your average monthly income before tax. You can select a lower level if you prefer.

Waiting period:

Waiting period

The waiting period is the number of days you would need to be continuously incapacitated and off work before the benefits are paid. The longer the waiting period you choose, the lower the premium you will pay

How soon after you stop working would you want your payouts to start?

Date of birth:

Date of birth

Income Protection Cover is only available to persons who are aged 18 to 60 at the start date of their cover.

Eligibility:

Eligibility

To be eligible to apply for this cover you must be a UK resident, aged 18 to 60 and in permanent employment for more than 16 hours per week either as a permanent employee or under a fixed-term contract for a fixed duration or a specific task. This cover is not available to the self-employed.

Are you in permanent paid employment, including self-employment, for more than 16 hours per week?

YesNo

Your postcode:

Email address:

Your monthly premium

£

This is for £ of monthly cash benefit in the event of a claim.

The equivalent monthly cost for each £100 of monthly benefit works out to be £ (other choices are available).

By clicking the apply now button you confirm that you have read the Policy Summary & Wording to ensure that you understand what is covered and what is not covered by the Plan.
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Union Insurance Services is a trading name of Union Income Benefit Holdings Ltd (UIB) who are authorised and regulated by the Financial Conduct Authority to distribute general insurance products, register number 307575. This can be checked on the FCA website: www.fca.org.uk .